Get the Scotia Momentum® No-fee Visa* Card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Get a supplementary credit card

Earn More Cash Back Rewards

You will earn cash back on the purchases made by your Supplementary Cardholder at the same rate that you earn cash back rewards on purchases made on your card.

Simplify Record Keeping 

Spending on your Scotiabank Visa Account is consolidated into one monthly statement. Transactions made by the additional Supplementary Cardholder are easily identified on your statement.

Scotia Momentum® 
No-Fee Visa* Card

Get up to 1% cash back on eligible purchases with no annual fee.1

Special Offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

Scotia Momentum® No-Fee Visa* Card
Apply now

Is this Credit Card right for you?

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card
  • Prefer to avoid annual fees

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards

Fees, rates & other information

Annual fee3 $0/year
Interest rates3

19.99% on purchases

22.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit3 $500
Each supplementary Card3 $0/year

What's included with your Card

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.10

Get the Scotia Momentum® No-Fee Visa* Card

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Online

Cash back plus NO annual fee

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By phone

Call Scotiabank

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In person

Make an appointment at your local branch

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Momentum Visa Infinite credit card

Scotia Momentum® Visa Infinite* Card

Get up to 4% cash back on eligible purchases.

Annual fee: $120

Interest rates: 20.99% on purchases / 22.99% on cash advances

Momentum Visa credit card

Scotia Momentum® Visa Card

Get up to 2% cash back on eligible purchases.

Annual fee: $39

Interest rates: 19.99% on purchases / 22.99% on cash advances

Not sure if this is the right credit card for you?